Hey there Bigger Pockets folks! I've been lurking on this forum and binging the podcast and youtube content for a year or so now and am eager to get started. I've worked to dramatically decrease my debt over the last year with the intention of banking my cash until I found a property I could move on but something stressful has happened. . .I just stumbled upon what I think is a gem, that is off market, and exactly what I was interested in getting started with. The problem is I've been dumping every bit of cash I have into getting rid of debt so I'm cash poor. Here is the deal:

Quadplex in 77581 in a highly desirable area (amazing schools)

2 900 sqft 2/1's renting for $1100 each with one car garages

2 1500 sqft 3/2.5 for $1300 (seems low) with two car garages

Units are individually metered

Owner is asking $480k but seems willing to move. All units occupied until at least next spring.

My first thought was to get an FHA and house hack it and sell my house ($50k net equity), but my wife isn't too hot on the idea of moving down the street and sharing a wall with someone. I've played with the numbers and it works as a house hack but it leaves a lot more wiggle room if we leave all 4 units producing. If you were in my situation would you just stick to the plan and save until you can write a check for a deal or would try to jump on something like this? I'm open to any wisdom that you good folks could bestow upon me.